Adjustable Rate Mortgage

Are you a frequent mover? Need a really low monthly payment? An Adjustable Rate Mortgage (ARM) might be your best move.

Also known as a variable rate mortgage, the ARM’s rate stays fixed for a set period of time (3, 5, 7, or 10 years), but then can adjust yearly thereafter, upward or downward, to reflect overall mortgage rates. Maximum increase caps are set in place to protect you from large interest rate swings.


  • Available in 3/1, 5/1, 7/1, and 10/1 year terms
  • Rates are traditionally lower than fixed rate products
  • Variable rate can adjust up or down at the end of the fixed term
  • Rate increases are capped at a pre-set maximum

Great low mortgage rates

Compared to traditional banks, you’ll pay less on your loan rate, less on your closing costs, and less in expenses over the life of the loan.

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